Should I be wary of any companies offering “instant” debt settlement?

Related FAQs

What should I do if I can’t agree on a settlement amount?
What is the process for appealing a denied debt settlement?
What is the best way to document a debt settlement?
Can a creditor challenge a debt settlement?
What are my rights and options when it comes to settling debt?
What is the best way to negotiate a debt settlement?
How will I know if a debt settlement offer is fair?
When is it best to pursue debt settlement?
Do I have to pay taxes on debt settled through negotiations?
How do I stop debt collection calls during the settlement process?

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